#Insurance Claim Guide

[thekplawgroup]

Rideshare Accident Insurance: How to File a Claim the Right Way

Rideshare services like Uber and Lyft have become essential for Atlanta residents and visitors alike. While these services offer convenience and affordability, they also raise unique challenges when accidents occur, particularly when it comes to insurance coverage. Understanding the nuances of rideshare accident insurance is critical for passengers and drivers alike.

The Basics of Rideshare Insurance

Rideshare companies like Uber and Lyft provide tiered insurance coverage for their drivers, but it varies depending on the driver’s status at the time of the accident:

Offline/Off-Duty: The driver’s personal auto insurance is the only coverage available.

Waiting for a Ride Request: Limited liability coverage is provided, typically up to $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage.

En Route or During a Ride: The most comprehensive coverage applies, including up to $1 million in liability coverage and uninsured/underinsured motorist coverage.

Understanding which tier applies can significantly impact the claims process and the compensation you may receive.

Common Insurance Issues in Rideshare Accidents

Navigating insurance after a rideshare accident can be challenging. Some of the most common issues include:

Confusion Over Coverage: Determining whether the rideshare company’s policy or the driver’s personal insurance applies.

Denial of Liability: Insurance providers may dispute who was at fault, delaying or reducing payouts.

Uninsured or Underinsured Drivers: In cases where the at-fault party lacks sufficient insurance, rideshare company policies may not fully cover your damages.

Policy Gaps: Personal auto insurance policies often exclude coverage for accidents occurring during rideshare activities, leaving some claims unresolved.

Read more: Rideshare Accident Insurance: How to File a Claim the Right Way

[agotinsuranceagencyllc]

Safeguard Your Ride: Tips on Taxi Insurance

Ensuring the safety of your vehicle and passengers is paramount. We understand the unique challenges taxi drivers face on the roads of Pennsylvania. When it comes to taxi insurance, the first step is selecting a reliable provider. As a trusted partner in insurance services in Annville, Pennsylvania, we offer comprehensive coverage tailored to your specific needs. Our commitment to excellence ensures that your taxi business is safeguarded against unexpected challenges.

Read more: https://www.agotinsurance.com/safeguard-your-ride-tips-on-taxi-insurance

[champstorymedia]

Travel Insurance 101: Understanding the Benefits and How to Choose the Right Plan

Introduction: Traveling is a wonderful experience that allows us to explore new destinations, immerse ourselves in different cultures, and create lasting memories. However, as much as we plan and prepare for our trips, unexpected events can still occur. This is where travel insurance comes in. In this comprehensive guide, we will delve into the benefits of travel insurance and provide you with…

[insuranceaims]

How insurance works premiums, deductibles, claims

How insurance works: To manage risks and guard against unforeseen financial burdens, insurance is essential. Understanding how insurance works can help individuals make informed decisions and use their policies effectively.

Insurance Claims Guide | Deductibles And Premiums | Insurance Costs Insurance Claims Guide | Deductibles And Premiums | Insurance Costs Insurance Coverage |Understanding Insurance| How Insurance Works Insurance Policy Explained | Premium Vs Deductible| Insurance Claim

#Claim Filing, #Claims Process , #Deductibles And Premiums , #HowInsurance Works , #Insurance Basics , #Insurance Claim , #Insurance Claims Guide , #Insurance Costs , #Insurance Coverage , #Insurance Deductibles , #Insurance Policy Explained , #Insurance Premiums , #Insurance Terms , #Premium Vs Deductible , #Understanding Insurance,

[chiefdigipreneur-blog]

Navigating claims: A step-by-step guide to standalone own-damage bike insurance

Negosentro | Navigating claims: A step-by-step guide to standalone own-damage bike insurance | Navigating the twists and turns of two-wheeler insurance claims can be a challenging task, especially when it comes to standalone own-damage bike insurance. In this comprehensive guide, Kotak General Insurance will unravel the complications of the claims process, providing riders with a step-by-step…

[paisainvests-1]

How to take Insurance in India 2024

How to take Insurance: Navigating the world of insurance can be as daunting as trying to find a needle in a haystack. With so many options and policies, where do you even start? That’s where insurance advisors come into play. In this guide, we’ll walk you through the essentials of taking out insurance, why an advisor might be your best friend in this process, and how to make informed decisions that best suit your needs.

🔵First let’s dive into the basics🔵

Why You Need an Insurance Advisor

The Role of an Insurance Advisor

Imagine an insurance advisor as your personal guide through the labyrinth of insurance options. They’re experts who help you understand complex policies and find the best coverage for your specific needs. Whether you’re looking to secure life insurance or protect your home, they ensure you get a policy that’s not only affordable but also comprehensive.

Benefits of Consulting an Advisor

Having an insurance advisor is like having a GPS system for your insurance journey. They simplify the process, offer tailored advice, and often have access to exclusive deals. Plus, they can help you avoid common pitfalls and make sure you’re not overpaying for coverage you don’t need.

Top 5 Insurance Advisors in Gurugram

Paisainvests

Renowned for its comprehensive services, Paisainvests stands out with its client-first approach. They offer a wide range of insurance products, ensuring you’re covered on all fronts. Official Link: Paisa Invests – Your Trusted Financial Advisor

SecureLife Insurance

With a focus on life and health insurance, SecureLife has earned a reputation for reliability and customer satisfaction.

Gurugram Insure Solutions

Specializing in motor and travel insurance, this firm offers competitive pricing and excellent customer support.

TrustShield Advisors

Known for their expertise in home and property insurance, TrustShield offers comprehensive coverage plans.

CareProtect Services

CareProtect excels in health insurance, offering plans that cater to a variety of medical needs. Official Link: Care + Protect – International

Suggested Articles: Life Insurance Corporation of India (LIC) Online Payment

Types of Insurance

Life Insurance

Provides financial security to your loved ones in the event of your passing. It’s a must-have for anyone with dependents. Life Insurance: Life Insurance: Policies for Financial Security

Health Insurance

Covers medical expenses, ensuring you don’t have to dip into your savings for healthcare. Health Insurance: Health Insurance: Plans for Your Peace of Mind

Motor Insurance

Protects your vehicle against damage, theft, and third-party liabilities. Motor Insurance: Auto Insurance: Compare Quotes & Save

Home Insurance

Safeguards your property and belongings against risks like fire, theft, and natural disasters. Home Insurance: Home Insurance: Protect Your Property

Travel Insurance

Offers coverage for trip cancellations, medical emergencies, and lost luggage during travel. Travel Insurance: Travel Insurance: Coverage for Your Journey

🔵Main topic🔵

How to Take Insurance

Step 1: Assess Your Needs

Start by evaluating what you need. Are you looking for coverage for your health, vehicle, or home? Understanding your needs is the first step in choosing the right policy.

Step 2: Choose the Right Type of Insurance

Based on your needs assessment, decide on the type of insurance that fits your situation. Each type of insurance serves a different purpose, so choose wisely.

Step 3: Find a Reliable Insurance Provider

Research and select a reputable insurance provider. Look for reviews, ask for recommendations, and ensure they have a strong customer service track record. If you were confused about taking insurance. Just reach out to us fast! https://paisainvests.com/

Step 4: Gather Necessary Documents

Prepare all required documents, such as identification, proof of address, and any specific documents related to the type of insurance you’re applying for.

Step 5: Apply for Insurance

Submit your application to the chosen provider. They will review your details, and once approved, you’ll receive your policy.

Eligibility for Taking Insurance

General Eligibility Criteria

Eligibility often depends on factors like age, health status, and sometimes your occupation. Each insurance type may have specific criteria, so it’s important to check these before applying.

Specific Requirements by Insurance Type

Different types of insurance have unique requirements. For example, health insurance may require a medical examination, while life insurance could require a health questionnaire.

Documents Required for Insurance

Personal Identification

You’ll need a government-issued ID, such as a passport or driver’s licence, to prove your identity.

Proof of Address

A recent utility bill or bank statement can serve as proof of your address.

Income Proof

Documents like payslips or tax returns are often required to verify your income.

Medical History (if applicable)

For certain types of insurance, such as health or life insurance, a detailed medical history might be necessary.

🔵Helpfull content for you and your needs🔵

Top 5 Insurance Providers

1. Paisainvests

Paisainvests is a leading player in the insurance advisory sector, known for its commitment to providing comprehensive and customised solutions. With a team of experienced professionals, the company is dedicated to helping clients navigate the complex world of insurance with ease and confidence.

2. Paisabazar

Known for its robust coverage options and user-friendly online services, Provider Paisabazar is a strong contender.

3. Policybazaar

Provider Policybazaar is praised for its flexible policies and quick claims process.

4. Tataaig

With a reputation for reliability and comprehensive coverage, Provider Tataaig stands out in the insurance market.

5. Care Insurance

Provider Care Insurance excels in providing tailored insurance solutions and has a strong presence in the industry.

Suggested articles: New health insurance claims rule | Best Insurance Companies in 2024

🔵Your trusted partner in this journey🔵

Paisainvests: An Overview

https://paisainvests.com/wp-content/uploads/2024/08/Screenshot-2024-08-01-105701-1.webp

Features of Paisainvests

Paisainvests is an emerging player in the insurance sector, offering a range of innovative features. Their platform is user-friendly, making it easy to compare policies and find the best fit for your needs.

Additional Services Offered by Paisainvests

In addition to insurance, Paisainvests provides financial planning services, investment advice, and regular updates on market trends. Their holistic approach ensures you’re well-informed and financially secure. Suggested articles: New health insurance claims rule | Best Insurance Companies in 2024

🔵let’s wrap things fast🔵

Conclusion

Taking out insurance doesn’t have to be a stressful process. With the right insurance advisor and a clear understanding of your needs, you can navigate the world of insurance with confidence. Remember to assess your needs, choose the right type of insurance, and gather all necessary documents. By doing so, you’ll ensure that you and your loved ones are well protected.

[waterdamagerepairpros]

"Protect Your Home: Expert Crawlspace Waterproofing & Restoration"

🚨 Protect Your Home with Expert Crawlspace Waterproofing & Restoration! 🚨

Did you know that a damp or wet crawlspace can lead to serious issues like mold growth, structural damage, and poor indoor air quality? 🏡❌ Don't let your home's foundation suffer. Property Damage Solutions is here to help!

At Property Damage Solutions, we offer comprehensive crawlspace waterproofing and restoration services to ensure your home stays safe, dry, and healthy. Our certified experts use the latest techniques and materials to provide you with a reliable and long-lasting solution.

🔹 Our Crawlspace Services Include: ✅ Waterproofing & Sealing ✅ Mold Removal & Remediation ✅ Structural Repairs ✅ Crawlspace Encapsulation ✅ Moisture Barrier Installation ✅ Dehumidification Systems

🌟 Why Choose Us? 🌟 ✅ IICRC & Xactimate Certified ✅ Experienced and Skilled Technicians ✅ Quick Response and Efficient Service ✅ Partnered with Shamrock Landscaping for Full Property Restoration

💧 Benefits of Crawlspace Waterproofing: 🌿 Prevents Mold Growth 🏠 Protects Structural Integrity 💨 Improves Indoor Air Quality 💰 Increases Home Value 🦟 Reduces Pest Infestations

🏠 Property Damage Solutions 📍 2014 Lucille Dr, Richmond, KY 40475 📞 859-302-9666 📧 propertydamage123@gmail.com

Visit our website for more information: Property Damage Solutions

Don't wait until it's too late! Protect your home and your health with our expert crawlspace waterproofing and restoration services. Contact us today to schedule an inspection! 🌟

[insuranceclaimguidepolicyholder]

Settling a Health Insurance Claim: A Step-by-Step Guide

Filing a health insurance claim can seem complicated, but it doesn’t have to be. With the right information and a clear plan, you can navigate the process smoothly and get the benefits you're entitled to. This step-by-step guide will help you understand how to settle a health insurance claim easily and efficiently.

 Understanding Health Insurance Claims

A health insurance claim is a request for payment that you or your healthcare provider submit to your insurance company. It covers medical services, treatments, or supplies that are covered under your policy. Understanding the claims process is crucial to ensuring that your medical expenses are paid timely and correctly.

Types of Health Insurance Claims

There are two main types of health insurance claims:

1. Cashless Claims

In a cashless claim, you don’t pay upfront for the medical services. Instead, your insurance company directly settles the bill with the hospital or healthcare provider. This option is available only at network hospitals that have tie-ups with your insurer.

2. Reimbursement Claims

In a reimbursement claim, you pay for the medical expenses upfront and then submit a claim to your insurance company for reimbursement. You need to keep all receipts, bills, and documents to support your claim.

Step-by-Step Guide to Settling a Health Insurance Claim

Step 1: Review Your Health Insurance Policy

Before you need to file a claim, familiarize yourself with your health insurance policy. Understand what is covered, the exclusions, the claim limits, and the process for filing a claim. Knowing these details in advance can save you time and prevent misunderstandings.

Step 2: Notify Your Insurance Company

Inform your insurance company as soon as possible about the hospitalization or treatment. For planned treatments, notify them in advance, and for emergencies, do so within the timeframe specified in your policy, typically 24 to 48 hours. This step is crucial for both cashless and reimbursement claims.

Step 3: Gather Necessary Documents

Collect all the documents you’ll need to support your claim. These may include:

Hospital admission and discharge summary

Medical reports and prescriptions

Bills and receipts for treatment and medications

ID proof and health insurance card

Claim form from the insurance company

Step 4: Fill Out the Claim Form

Complete the claim form provided by your insurance company. Ensure all details are accurate and match the information on your supporting documents. Any discrepancies can lead to delays or rejection of your claim.

Step 5: Submit the Claim

For cashless claims, follow these steps:

Present your health insurance card at the network hospital.

Fill out the pre-authorization form provided by the hospital.

The hospital will send the form to the insurance company for approval.

Once approved, the insurance company will settle the bill directly with the hospital.

For reimbursement claims, follow these steps:

Submit the completed claim form and all supporting documents to your insurance company.

Ensure you keep copies of all documents for your records.

Submit the claim within the timeframe specified in your policy, usually within 30 days of discharge.

Step 6: Follow Up on Your Claim

Stay in touch with your insurance company to track the status of your claim. You can call their customer service, check online, or use their mobile app if available. Regular follow-ups help ensure that any issues are addressed promptly.

Step 7: Claim Approval and Settlement

Once your claim is processed, the insurance company will inform you of the approval or rejection. If approved, the payment will be made as per the terms of your policy. For cashless claims, the hospital bill is settled directly. For reimbursement claims, the amount will be transferred to your bank account.

Tips for a Smooth Health Insurance Claim Process

1. Keep Records

Maintain a file with all your medical records, bills, and insurance documents. Having everything organized makes the claims process easier and quicker.

2. Be Prompt

Submit your claim and supporting documents as soon as possible. Delays can lead to claim rejection or longer processing times.

3. Provide Accurate Information

Ensure all information provided on the claim form and documents is accurate. Errors or discrepancies can cause delays or denial of your claim.

4. Understand Your Policy

Know the specifics of your health insurance policy, including coverage limits, exclusions, and the claims process. This knowledge helps manage your expectations and ensures you’re prepared when you need to file a claim.

5. Use Network Hospitals

For cashless claims, always use network hospitals. These hospitals have agreements with your insurance company, making the process smoother and faster.

6. Seek Help if Needed

If you face difficulties or have questions, don’t hesitate to contact your insurance company’s customer service or your insurance agent. They can provide guidance and help resolve any issues.

Common Reasons for Claim Rejection

Understanding why claims are rejected can help you avoid common pitfalls. Here are some reasons claims might be denied:

1. Incorrect or Incomplete Documentation

Ensure all documents are complete and accurate. Missing information or errors can lead to claim rejection.

2. Policy Exclusions

Know what your policy covers and excludes. Claims for excluded treatments or services will be denied.

3. Late Submission

Submit your claim within the specified timeframe. Late submissions can result in rejection.

4. Non-Disclosure of Pre-Existing Conditions

Always disclose pre-existing conditions when buying your policy. Non-disclosure can lead to claim rejection.

5. Expired Policy

Ensure your policy is active and premiums are paid up to date. Claims made on expired policies will be rejected.

Conclusion: Simplify Your Health Insurance Claims

Filing a health insurance claim doesn’t have to be a daunting task. By understanding your policy, gathering the necessary documents, and following the correct procedures, you can ensure a smooth and efficient claims process. Remember, your health insurance is there to support you in times of need, and being prepared can make all the difference.

Use this guide to demystify the health insurance claim process and ensure you get the coverage you deserve. Whether you’re dealing with a planned treatment or an emergency, following these steps will help you navigate the claims process with confidence and ease.

[naukrisambad]

Types of Health Insurance Plans In 2024

Health insurance is a crucial aspect of financial planning and healthcare management, offering individuals and families protection against high medical costs. Understanding the different types of health insurance plans available is essential for selecting coverage that aligns with your healthcare needs and budget. In this guide, we’ll explore the various types of health insurance plans,…

[doberbutts]

Hello all, informative trans guy post here. IF you are taking testosterone as part of your HRT or transition process, you've probably heard several times that testosterone is a controlled substance, very difficult to source, and that you are limited on the amount of which you can have at one time. You may even be wondering the truth of these claims.

Well... the answer is... that it's mostly true. But I can tell you how to make things a bit easier on yourself, if you're having a hard time.

This "guide" is 100% USAmerican based. Sorry, but I live here, and don't know how this works outside of my own country.

1: Testosterone is a controlled substance.

Well... it is. Testosterone is a controlled substance in the United States, being a Schedule III drug along with drugs like ketamine. This means that in some states, it can be very difficult to source at all and even harder to source in significant or consistent quantities. This is largely due to people taking anabolic steroids, and very little of testosterone's controlled status historically had anything to do with transgender people using it as part of their medical transition, though that is beginning to change as trans men become more visible. There are now some laws restricting the usage of testosterone for the purpose of transitioning, especially in cases of minors and young adults transitioning through their teens.

This is a little different from estrogen, which is prescription-only in its injectable form but does not have controlled status on a federal level. Testosterone, by comparison, is controlled in all of its forms and possessing it without a prescription is very illegal. While it is possible to source and make testosterone without a prescription, much like estrogen, the legal consequences for doing so are much more severe. For this reason, this is not a guide to doing so without using a prescription.

2: Testosterone is difficult to source.

Provided you have a doctor willing to give you a prescription, and either insurance or financial means of covering the cost of said prescription, testosterone is only difficult to source if you are living in a state that heavily restricts the ability to source Schedule III drugs (or has introduced laws restricting the ability to dispense HRT to transgender patients) or if there is some sort of shortage happening.

Testosterone is available at every national pharmacy chain in various forms, and can also be ordered online by pharmacies that may legally serve your state provided they operate within the state's laws. Remember, cis men take testosterone in various forms for their own hormonal function at times, so this is far from a niche transgender-only drug.

Your state may have restrictions on exactly how much testosterone you may pick up from the pharmacy at any given time, how frequently you're allowed to get it, and occasionally how much you're allowed to have in general. This may also change depending if you are picking your testosterone up from a physical brick-and-mortar pharmacy, or if you are ordering online for home delivery.

Some pharmacies will try to tell you they legally can't dispense more- this may conflict with what your doctor tells you, so if your doctor is willing to give you the maximum your state allows you to have and your pharmacy says a different maximum, you need to get your doctor to advocate for you.

Certain forms of testosterone are more prone to shortages and backorders than others. Gel appears to be commonly backordered, and manufacturer shortages are not uncommon. For this reason, my doctor prescribes me a three month supply at a time. For a long time, CVS would argue with me that they legally could only fill one month at a time. I mentioned this to my doctor, because this inevitably means that with the pharmacists at CVS screwing around with my meds that I am not consistent on my dosing month-to-month because when a shortage happens I simply have to go without until they finally get another shipment in.

Now, thankfully, she wrote me a prescription to navigate around that with the three month supply, but she also had someone from her office call and give them a dressing down on why they needed to actually comply with her orders for her patient. I happen to live in a state that the maximum is truly a three month supply, so CVS should not be arbitrarily shortening a doctor's prescription just because they don't think they should be dispensing that many.

Similarly, testosterone is unfortunately not cheap. I happen to take the gel version, which retails at about $400 USD per bottle, and each bottle lasts one month, so that's about $1600 USD worth of medication sitting on my bathroom sink in that photo with four bottles. Now, thankfully, I have insurance, and the insurance I have allows me to pick up all of my medications for free provided the insurance is actually willing to cover it. This means that I spent a grand total of $0 USD on these bottles. Insurance costs vary greatly, so it's wise to see exactly how much a larger supply will cost you prior to actually committing. My current insurance does not allow me to order medications online, but my previous insurance that I did actually have to pay for medications was often cheaper to order online ($40 for a three month supply) than pick up at the CVS ($20 for a one month supply). This is something to consider depending on your individual coverage.

3: You can only have so much testosterone at once.

As for why I have four bottles- due to my job change, I had an insurance change as well as introduced my state's version of Medicaid as a secondary insurance. My initial insurance did not cover these bottles but did cover individual gel packets dispensed as a sealed box of 30. My current insurance does not cover the individual packets but does cover the bottles. The packets are a slightly different dosage than the pump on the bottle, and when making that switch my doctor accidentally under-dosed me, which then created a significant excess when I went to pick up the next month's bottle. As a result, that initial bottle lasted roughly two months before we caught the under-dosing via my bloodwork, which means I opened the second bottle right as I was getting ready to pick up the third (and fourth and fifth).

This is not an illegal situation as there is a clear paper trail within my medical record and prescription history detailing this situation playing out, but it can be dangerous in certain states to have this much over the amount you're supposed to have. It can be illegal to stockpile a Schedule III drug, so I do not recommend intentionally creating this sort of situation for yourself.

That being said, this sort of worked in my favor. Schedule III drugs often need a prior authorization from your insurance before they are willing to cover these medications. Drugs that are not necessarily expected within your demographic, such as being marked as female but taking testosterone, also often require a prior auth. A prior auth can take up to a month to go through insurance, though usually is less than a week. I just passed my testosterone anniversary in late September, which also means my prior auth expired, as they're only good for one year. Instead of, you know, telling me my prior auth expired, CVS just sent me a text stating they were having a problem with my order and that they were in contact with my doctor about it. A week went by with no change so I called my doctor, who reported they never received anything from CVS but would look into the issue and see what the problem was. They called me back the next day to tell me about my expired prior auth and that they fixed it. I then got the text from CVS saying my prescription was ready to pick up about 5 minutes later. That does mean that if I did not have this excess, I would have once again simply not had testosterone for about a week.

4: Public vs Private Insurance

Whether or not your state's insurance will cover testosterone depends entirely on your state. Obama, when creating the Affordable Care Act or now known as "Obamacare", did make it so that states are supposed to be required to cover HRT for transgender adults and even minors in certain situations. Trump did away with several of these protections, which then emboldened certain states to whittle away at what was left. Other states, like my own, strengthened their protections in response, making it easier to access HRT.

This means that while my own state allows me to get free testosterone through the state's insurance (which is income-based eligibility, and I'm making a significant amount over minimum wage but still considered below my state's poverty line) - a friend of mine in another state cannot access HRT using his state's Medicaid, and is required to use private insurance. Additionally, I have insurance through my job, but it does not cover a large enough percentage for it to be feasible. This means that legally, I have to pay for my workplace insurance (barf, that's $200 out of every paycheck) but on the flip side because of my income eligibility I also can still have the state insurance as my co-insurance and that will clean up whatever leftover costs my private insurance leaves me with.

It also means my top surgery will be free, provided I can get it approved through my private insurance. My public insurance will pay the remaining balance of whatever my private insurance is willing to cover, but will not pay for things my private insurance isn't willing to cover at all.

This also means I have to attend exclusively doctors that will take my public insurance if I want to do things this way- however that's a fairly robust list in my state compared to others, so I didn't have to change doctors at all.

This situation is not always the case for every state's Medicaid- but it is worth looking into if you need options and your current insurance sucks or if you're not insured at all.

[impactrueno]

let's talk about shoes (stick with me here for a sec)

beetleboots beetleboots beetleboots.

what's up with the three of them wearing combat boots? they go well with each of their character designs so it's not like they look out of place with the rest of their outfits, but knowing this is tim burton and colleen atwood, these things are not mere coincidence.

(spoilers for Beetlejuice Beetlejuice below)

a common complaint i've seen people mention about Beetlejuice Beetlejuice is that "there's too many villains," but today i'm here to talk about why each of them matter in the narrative tim wanted to present here. yes the boots are related we'll get to that in a minute

delores, rory and jeremy all have one thing in common: the use of romantic betrayal in order to achieve their own selfish goals, destroying their victims in the process.

this, in turn, makes beetlejuice, lydia and astrid have another thing in common: they were the victims of these romantic betrayals.

you may think "okay but why is that necessary?"

this sequel made the interesting choice of nudging beetlejuice out of the villain role. he's now just a weird ally/deuteragonist...or perhaps even...a protagonist? but that's not enough! why should we as an audience care about him or sympathize with him?

that's where delores comes in. delores is less of a character and more of a plot device. her purpose (besides serving cunt) is to give beetlejuice backstory and be to beetlejuice what beetlejuice was to lydia, only worse. i talked a bit more about it in this post. thanks to her, we now learn that beetlejuice was a victim. not just that, she's also the looming threat beetlejuice needs to justify his marriage to lydia (he seems to be under the impression that this would help him escape delores more easily, but personally i'm not so sure, i think she's more powerful than that.) her return in combination with lydia's return to winter river is what sets his plan in motion.

rory is a pretty self-explanatory villain so i don't think we have to go into that. he wasn't out to kill lydia...but he's a golddigger, so i don't doubt he would've set something up to lead her into having a fatal accident and claim insurance benefits.

jeremy's role in the plot was to make astrid realize that she was wrong about the supernatural, as well as put her in danger in the afterlife, which is the drive lydia needs to turn to beetlejuice for help.

the role of an antagonist is to oppose or be an obstacle to the protagonist's goal. these three are the three obstacles beetlejuice needs to overcome in order to marry lydia.

first, he needs to save astrid as part of the deal with lydia. so he gets rid of jeremy to give astrid her life back. he knows exactly what it's like to be romanced into a death trap. you can tell this was satisfying for him. later, fucker.

then, he needs her fiancé rory out of the picture if he intends to marry lydia. since he knows this guy is a total piece of shit and is lying to her to lead her into the same trap he himself fell into with delores, he simply gives lydia the tools she needs to kick his ass herself. teamwork!

third comes delores. he just needs to survive delores, basically. he tries to pair her off with rory to try and kill two birds with one stone, but the stone that ends up killing them both is the sandworm that astrid summoned, which beetlejuice then guided straight to them. teamwork once again! (beetlejuice and astrid got rid of each other's problems, that's kind of cool)

these three things being taken care of means that beetlejuice can finally marry lydia.............

............except he doesn't. why? because he helped lydia. by bringing her into the afterlife to look for her daughter, he violated code 699. and he did it immediately after signing that contract. hoist by his own petard, this dumbass.

sorry i got sidetracked again. we were talking about boots, right? right right.

beetlejuice, lydia and astrid all walked in each other's shoes.

everything in this movie comes in threes. names, villains, victims, obstacles and pairs of combat boots.

[champstorymedia]

Travel Insurance: The Smart Investment for Your Next Vacation

Planning your next great vacation? Don’t forget to consider the importance of travel insurance. While it may seem like an unnecessary expense at first, travel insurance can actually be a smart investment that can save you time, money, and stress in the long run. In this article, we will explore the key reasons why travel insurance is essential for your next vacation, and how it can provide you…

[bubblegumgothglados]

So your snuff domme finally made you kill her: a survival guide

1. Put on the headphones. Start the programme running. Take comfort from her voice in your ears. Let the complex web of If/Then order you through your days just as she did in life

2. Dispose of her body.

2a. She wanted a moulberry tree planted ontop of her so you can always taste her

2b. She wanted her ribs made into a corset so you can always feel her hug you

2c. She wanted her finger bones made into a necklace so you can always feel her hands around your neck

2d. She wanted her skull placed in your bedroom so you can always feel her watching over you as you sleep

2e. She wantes her heart in a jar in the kitchen so you can always feel her love when you look after yourself

2f. She wanted a few of her extra bones ground up and made into a fine bone china tea set so you can always bring her to your lips and take pleasure from the act

3. Report her missing. Burn the book she put together in preperation. Melt the knife down. Clean the area with bleach. Wait a week for the grass to grow over the freshly dug ground. Remember the cover story she taught you to fool the police.

4. Claim the life insurance. She made sure you would never have to pretend to be a person again. The house is paid off and the payout is big enough to keep you looked after for rhe rest of your life.

5. Open the door. Her friends will be checking in on you frequently. Do as they say.

6. Remember she loves you.

~~~

A story inspired by this post by @miscling

[nashyuck]

Dangerous

(Idol x reader, hook up, nda, tds3, foreplay, oral sex, unprotected sex, creampie, pet names, obsession)

Summary; Imagine the face y/n made when she realized an NDA was right in front to her face. What was a first-time VIP Nctdream experience, turned into amazing sex with Jaemin.

warnings; mature content MINORS DNI!

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Ticketing for Nctdream was the most stressful experience. Y/n spent all of her lunch break anticipating how ticketing would go, as she is a high school teacher who had a whole class during ticketing. To her surprise, she was able to get VIP tickets to Nctdream, for both her and her best friend.

"Talk about stressful, I'm surprised that none of my students questioned the random movie day on a Tuesday"

"Those should be the last of your worries, we're literally seeing our men in 1 month," Ali said, she and Y/n had originally met at an Nct cup sleeve event years back and remained close friends.

FORWARD TO A MONTH LATER

"oh, I'm so anxious, they'll be able to see us, what if I get called backstage"

"oh lord if you get called backstage jaemin will get the best head ever" Ali added as she and Y/n laughed.

Making those comments was normal amongst the two, as it was all for shit and giggles not that they actually believed that they would be given the chance to jump any of the dreamies bones.

Upon arrival at the venue, Y/n and Ali were given early entry as they obtained VIP access.

"OH MY GOD, Jaemin is so fucken hot" y/n whispered to her friend. Not wanting for the others to hear.

______________________________________________________________

Jaemin was never attracted to any of his fans, and he never considered hooking up with any of them. Unlike his members who liked to hook up with women at every stop during tour. They claimed that it was for stress relief.

That was until he spotted a girl in the crowd looking at him and turning to whisper something to her friend. He was curious as to what the gorgeous woman with the top so low whose tits were basically out for him to see had possibly said to cause her friend to giggle.

Throughout the concert, he couldn't help but be drawn to this woman, to his luck during Poison performance he was placed right in front of the beautiful girl.

Making eye contact with her the whole time drawing her in, causing his eyes to go dark and be filled with lust. She smiled at him biting her lip and observing Jaemin's movements. He felt himself start to harden. Eternally grateful that they were given a 3-minute break for an outfit change.

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"bitch jaemin was basically fucking you with those eyes girl," Ali said.

"All alright let's not be dramatic, in my defense he was set in front of us and the song was giving fuck me vibes" Y/n was undeniable that Jaemin would ever even consider letting her jump his bones.

The rest of the concert was a blur, y/n only remembers crying and dancing. The concert had ended, y/n and her friend got their belonging and headed towards the exit as they were stopped by security and guided to an empty room.

"This is starting to scare me, why are we still here is 12 AM," Ali said as she felt extremely sleepy and anxious.

A man who appeared to be part of the TDS3 work crew entered the room. He was wearing a TDS3 merch shirt, some sunglasses, and a baseball cap.

"Someone has requested for a conversation with you" the man said looking straight at y/n.

"That being said your friend will be dropped at her chosen destination, however, we ask for you to remain in this room, till he arrives and speaks to you about paper work" the man continued.

Ali felt unsure, leaving y/n behind in an empty room waiting for a guy who was a stranger felt worrisome.

"I'll be fine," y/n said insuring Ali that she'd be okay.

After Ali's departure, 5 minutes later the door opened and a tall muscular man appeared in front of y/n.

"Jaemin......... I'm not understanding why am I here?"

"Don't worry baby, I will explain everything and we can set boundaries together" Jaemin's smile was contagious and comforting.

He set various of papers on the table sitting across from y/n.

"darling have you ever signed an NDA?" jaemin questioned.

"I haven't but I've heard about how NDAs work"

"if at any point you feel uncomfortable, please let me know and we can stop, I will make sure you get home safe and no further contact on my behalf will be given," Jaemin said grabbing y/n's hand.

after 10 mins of reading the paper work, y/n knew exactly what the purpose of this was. She had two options, not signing the NDA and missing out on amazing sex with Jaemin or signing the papers and letting Jaemin do whatever he desired with her body.

Y/n did what any other horny woman would have done, she signed the papers and gave them to Jaemin with a smile on her face.

"Looks like you're coming home with me tonight princess"

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The ride to his hotel was quiet, Jaemin didn't say much but kept his hand on y/n's thigh. Pushing it closer and closer to her core. Causing y/n to heavy breath.

In the blink of an eye, y/n was on her knees begging for jaemin to let her touch him.

"So desperate for his dick, look at you basically salivating and I haven't even taken off my pants"

His eyes were dark and full of lust.

"I knew you'd be desperate but never imagined how turned on you'd get just by being on your knees".

he was so attractive, how can one not get turned on.

"On the bed now, and on your way there take off all your clothes, tired of seeing those on you"

Geez was he so hot as her observed y/n undress leaving nothing but her panties.

"look at those tits, I know you wore that shirt on purpose to get my attention, well guess what it worked," Jaemin said undressing and hovering over y/n. God were his lips soft, and easy to bite. Tongues fighting for control, causing a mess.

Jaemin shifted his lips to y/n's neck, down to her chest, nipple, stomach, and finally her inner thighs.

"You can be as loud as you want baby, my next-door hotel neighbors are the members and I'm sure those assholes are fucking a fan as we speak"

Jaemin's kisses were soft but felt like fire on y/ns skin.

"fuck please Jaemin"

"let's not be greedy baby" Jaemin said as he removed y/n's panties to get a clearer view of her body.

"look how wet you are, bet you taste just as good as you smell"

he was a tease, brushing his fingers against her fluids. He loved hearing her gasp and whine for more.

"fuck baby you taste so fucken good, so addicting, how am I supposed to continue the tour without this pussy"

he continued to eat her out, inserting two fingers.

"FUCK JAEM........."

"that's right baby cum in my mouth" those words sent y/n over the edge and she came all over Jaemin mouth.

He lifted himself up, licking his fingers and smirking at the mess he caused just with his mouth.

"want daddy to fuck you, baby? want me to cum inside you, to claim this gorgeous body of yours"

He was so fucken attractive, the same person who goes on stage as does aegyo for millions of fans, has the most dirty mouth and thoughts. He was so hot!

He hovered over y/n aligning his dick with her hole.

"If you want me to stop just tap me or tell me, okay darling"

Y/n nodded giving him the signal to enter.

As they both gasped, y/n squeezed around Jaemin.

"Fffucck baby, keep doing that and I'll cum fast"

he started off slow but continued to increase his pace, his thrust began to feel rough hitting all the right spots making y/n see stars.

"JAEM you feel so good" y/n whined

"you like that huh, you like it when I'm fast and rough"

"Yes Yes Jaem cumm inside me please"

He was rich enough to impregnate a woman so he never worried about an accident happening. The thought of a mini jaemin was his dream, however, all prior girls were scared of that type of commitment despite knowing his wealth.

"So tight FUCK" jaemin moaned as he released inside of y/n.

"If you're scared of getting pregnant we can run to the store for a plan b but if you're like me who doesn't give a shit and is ready for a baby quit your stupid job and go on tour with me"

"you don't know me, why would you even consider having a baby with me" y/n claimed.

"for starters, you're gorgeous and I can't imagine myself ever being so addicted to another pussy besides yours, you smell and taste so good, I can fuck you all day and night''

"I will consider it," y/n said checking her phone, it was 2 AM. Jaemin and her had been fucking for 2 hours.